Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CLASS ACT Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
CLASS ACT's top rates as of October 10, 2026 are 4.05% APY on its 36 Month IRA CD, 0.25% APY on savings, 1.50% APY on money market accounts, 4.00% APY on checking, personal loans from 6.99% APR, and credit cards from 13.00% APR, according to rates verified by MonitorBankRates. Other CLASS ACT CD rates include 36 Month CD at 4.05%, 48 Month IRA CD at 4.05%, and 48 Month CD at 4.05%. MonitorBankRates evaluates the financial stability of CLASS ACT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.61%. Rates last updated and verified on 10/10/2026.
CLASS ACT money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CLASS ACT? Share your experience about CLASS ACT by leaving a review below, or read customer reviews before you decide to use CLASS ACT.
CLASS ACT has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
CLASS ACT has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
3.61%
ExcellentLower than avg
CLASS ACT Texas Ratio
CLASS ACT's Texas Ratio is 3.61%, which is considered excellent and is lower than the national average of 6.13%.
CLASS ACT has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.55% to 3.61% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
CLASS ACT CD Rates
Product
Rate
APY
Term
View More
36 Month IRA Certificate
3.98%
4.05%
36 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
36 Month Share Certificate
3.98%
4.05%
36 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
48 Month IRA Certificate
3.98%
4.05%
48 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
48 Month Share Certificate
3.98%
4.05%
48 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
60 Month Bump-Up Share Certificate
3.98%
4.05%
60 Months
Min Deposit$5,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
24 Month IRA Certificate
3.93%
4.00%
24 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
24 Month Share Certificate
3.93%
4.00%
24 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
30 Month IRA Certificate
3.93%
4.00%
30 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
30 Month Share Certificate
3.93%
4.00%
30 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
12 Month IRA Certificate
3.83%
3.90%
12 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
12 Month Share Certificate
3.83%
3.90%
12 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
18 Month IRA Certificate
3.83%
3.90%
18 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
18 Month Share Certificate
3.83%
3.90%
18 Month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
6 Month IRA Certificate
3.74%
3.80%
6 month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
6 Month IRA Certificate
3.74%
3.80%
6 month
Min Deposit$1,000
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
6 Month Share Certificate
3.74%
3.80%
6 Month
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
91 Day Share Certificate
1.39%
1.40%
91 Day
Min Deposit$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Savings Rates
Product
Rate
APY
View More
Christmas Club
0.25%
0.25%
Min Balance$5
DetailsBalance: $5+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Regular Share Savings
0.25%
0.25%
Min Balance$5
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Summer Savings
0.25%
0.25%
Min Balance$5
DetailsBalance: $5+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Money Market Rates
Product
Rate
APY
View More
Money Market
1.50%
1.50%
Min Balance$250,000
DetailsBalance: $250,000 +
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Money Market
1.40%
1.40%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Money Market
1.30%
1.30%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Money Market
1.20%
1.20%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Money Market
1.10%
1.10%
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Money Market
1.00%
1.00%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Checking Rates
Product
Rate
APY
View More
Honors Checking
3.96%
4.00%
Min Balance$5,000
DetailsQualifications Required: Enroll in eStatements; Have at least one direct deposit or automatic payment post to your account each month; Make 10 debit card purchases totaling $200 or more each month; Log in to online or mobile banking at least once per month; Balances over $5,000 will earn the higher tier Share 0 dividend rate when requirements are met. As of January 31, 2018, 4.00% Annual Percentage Yield (3.96%) daily interest rate paid monthly on balances up to $5,000. Rates & terms as of are subject to change. All requirements must be met before month-end processing (on last business day of month). Debit card returns will be deducted from your monthly total and those amounts and number of transactions will not count towards your requirements if items are returned.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit (HELOC)
-
-
6.25%
25 years
DetailsTerm: 25 years / 10 years draw; As low as; *
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00%
Sep 18, 20266.25%▲ from 6.00%
Sep 14, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Fixed Rate Home Equity Loan
-
-
6.634%
10 years
DetailsAs low as; *
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38%
Sep 18, 20266.63%▲ from 6.38%
Sep 14, 20266.38%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Fixed Rate Home Equity Loan
-
-
7.097%
15 years
DetailsAs low as; *
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 6.85% → 7.10% ▲ 0.25 pts · high 7.10% / low 6.85%
Sep 18, 20267.10%▲ from 6.85%
Sep 14, 20266.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Fixed Rate Home Equity Loan
-
-
7.579%
20 years
DetailsAs low as; *
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.33% → 7.58% ▲ 0.25 pts · high 7.58% / low 7.33%
Sep 18, 20267.58%▲ from 7.33%
Sep 14, 20267.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
3.99%
Up to 48 Months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.24%
Up to 48 Months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.49%
49 - 60 Months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.49%
Up to 48 Months
DetailsModel Year: 2016 or older
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
Sep 22, 20264.49%▲ from 4.24%
Sep 14, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.74%
61 - 72 Months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.74%
49 - 60 Months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
Sep 22, 20264.74%▲ from 4.49%
Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.99%
73 - 84 Months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.99%
61 - 72 Months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
Sep 22, 20264.99%▲ from 4.74%
Sep 14, 20264.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Auto Loan
-
-
4.99%
49 - 60 Months
DetailsModel Year: 2016 or older
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
Sep 22, 20264.99%▲ from 4.49%
Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loans
-
3.99%
Up to 48 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Motorcycle Loans
-
4.24%
Up to 48 Months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
Oct 6, 20264.24%▲ from 3.99%
Sep 14, 20263.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Motorcycle Loans
-
4.49%
49-60 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 4.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Motorcycle Loans
-
4.49%
Up to 48 Months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
Oct 6, 20264.49%▲ from 4.24%
Sep 14, 20264.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Motorcycle Loans
-
4.74%
61-72 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Motorcycle Loans
-
4.74%
49-60 Months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
1 change since Oct 1, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
Oct 6, 20264.74%▲ from 4.49%
Oct 1, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Motorcycle Loans
-
4.99%
72-84 Months
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 1, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2022 or newer
-
6.24%
Up to 84 months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2022 or newer
-
6.49%
85-120 months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2022 or newer
-
6.74%
121-144 months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2017 - 2021
-
6.99%
Up to 84 months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2022 or newer
-
6.99%
145-180 months
DetailsModel Year: 2022 or newer
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2017 - 2021
-
7.24%
85-120 months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2017 - 2021
-
7.49%
121-144 months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2016 or older
-
7.74%
Up to 84 months
DetailsModel Year: 2016 or older
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2017 - 2021
-
7.74%
145-180 months
DetailsModel Year: 2017 - 2021
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2016 or older
-
7.99%
85-120 months
DetailsModel Year: 2016 or older
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2016 or older
-
8.24%
121-144 months
DetailsModel Year: 2016 or older
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Boat & RV Loans - 2016 or older
-
8.49%
145-180 months
DetailsModel Year: 2016 or older
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Credit Card Rates
Product
Rate
APR
View More
Visa Platinum Card
-
13.00%
DetailsAs Low As*; Maximum Amount: $25,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75%
Oct 6, 202613.00%▲ from 12.75%
Sep 14, 202612.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Visa Platinum Credit Card
-
13.00%
DetailsAs Low As; Maximum Amount: $25,000
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75%
Oct 6, 202613.00%▲ from 12.75%
Sep 14, 202612.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Personal Loan Rates
Product
APR
Term
View More
Personal Loan
6.99%
72 months
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
CLASS ACT Other Rates
Product
Rate
Points
APY/APR
Term
View More
Indiana Renewable Energy Incentive Loan
-
-
7.75%
Up to 84 Months
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 7.75% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Indiana Renewable Energy Incentive Loan
-
-
8.00%
85 - 120 Months
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Indiana Renewable Energy Incentive Loan
-
-
8.25%
121 - 180 Months
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 8.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Indiana Renewable Energy Incentive Loan
-
-
8.00%
Up to 84 Months
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Indiana Renewable Energy Incentive Loan
-
-
8.25%
85 - 120 Months
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 8.25% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Indiana Renewable Energy Incentive Loan
-
-
8.50%
121 - 180 Months
Last Updated10/10/2026
Rate History
No change since Oct 6, 2026 · 8.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Solar Loans
-
-
7.75%
Up to 84 Months
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 7.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Solar Loans
-
-
8.00%
Up to 84 Months
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Solar Loans
-
-
8.00%
85 - 120 Months
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Solar Loans
-
-
8.25%
85 - 120 Months
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Solar Loans
-
-
8.25%
121 - 180 Months
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Solar Loans
-
-
8.50%
121 - 180 Months
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 8.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
IRA Accumulation
0.50%
-
0.50%
Min Balance$0
DetailsBalance: $0+
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.61%
Financial Health History
CLASS ACT’s Texas Ratio rose from 2.55% in Q3 2023 to 3.61% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$365M
3.61%
5.0
A+
March 31, 2026
$352M
2.25%
5.0
A+
December 31, 2025
$342M
3.75%
5.0
A+
September 30, 2025
$337M
4.37%
5.0
A+
June 30, 2025
$342M
4.39%
5.0
A+
March 31, 2025
$333M
4.11%
5.0
A+
December 31, 2024
$318M
4.43%
5.0
A+
September 30, 2024
$314M
3.07%
5.0
A+
June 30, 2024
$317M
3.71%
5.0
A+
March 31, 2024
$312M
2.02%
5.0
A+
December 31, 2023
$301M
3.28%
5.0
A+
September 30, 2023
$305M
2.55%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for CLASS ACT is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CLASS ACT rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with CLASS ACT's official website for the most current offers and terms.
Address
3620 Fern Valley Rd,
Louisville, KY 40219-1917
Phone502-964-7575
Fax502-966-2061
PresidentRuth Ann Reteneller
CEOTom Anonson
Full-Time Employees76
Part-Time Employees12
Branch Locations6
ATM Locations3
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.61%
Return on Assets (ROA)
0.5025%
Return on Equity (ROE)
4.6313%
Non-Performing Loans Ratio (NPL)
0.62%
Total Assets
365,006,579
Total Amount of Shares and Deposits
320,766,059
Total Shares and Deposits < 1 Year
315,221,347
Total Shares and Deposits 1 3 Years
4,407,257
Total Shares and Deposits > 3 Years
1,137,456
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,658,969
Total Uninsured Shares and Deposits > $250K (F+J)
10,658,969
Total Insured Shares and Deposits > $250K (item 17 less item K)
310,107,090
Total Interest Expense (Sum of items 6 8)
2,323,317
Share Certificates
2,370
Number of Accounts for Share Drafts
17,838
IRA KEOGH Accounts
865
Number of Accounts for Regular Shares
25,715
All other shares
3,041
Money Market Shares
1,922
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
34,105,704
Total Liabilities
323,739,004
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
CLASS ACT earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for CLASS ACT yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for CLASS ACT
Frequently Asked Questions About CLASS ACT
How many branches does CLASS ACT operate?
CLASS ACT currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join CLASS ACT?
Yes, to access services at CLASS ACT, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, CLASS ACT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, CLASS ACT provides members with tools to manage their accounts and build a solid financial history.
Does CLASS ACT offer online and mobile banking?
Most modern institutions like CLASS ACT provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.classact.org.
Current CLASS ACT Rates
12-Month CD3.90%
18-Month CD3.90%
24-Month CD4.00%
60-Month CD4.05%
Savings0.25%
MMA1.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
